Role: Business Analyst with banking experience
Location: Toronto, ON (Hybrid)
Position Type: Full-Time
Client: HCLTech
Lead Business Analyst – Branch Banking & Offer Management Transformation
Experience: 15+ years of Banking / Financial Services experience
Level: Lead / Principal Business Analyst
Domain: Retail Banking / Branch Banking / Offer Management
Program: Large-scale, multi-million-dollar banking transformation
Role Overview
We are looking for a seasoned Lead Business Analyst with 15+ years of banking experience and a proven track record of leading business analysis for large, multi-million-dollar transformation programs involving multiple business units, technology platforms, data sources, risk/decision engines and customer-facing banking systems.
This is a high-visibility leadership role, not a traditional BA position. The candidate must be capable of independently driving a complex transformation program, working directly with senior business and technology leaders, managing competing stakeholder priorities, navigating significant leadership scrutiny, and converting ambiguous business objectives into clear, executable requirements.
Mandatory Experience
- 15+ years of experience in Banking / Financial Services, with significant experience in Retail and Branch Banking.
- Proven experience as a Lead / Principal BA on multi-million-dollar banking transformation programs.
- Strong knowledge of Branch Banking systems, processes, customer journeys and frontline/advisor workflows.
- Hands-on experience with Offer Management, Next Best Offer or Next Best Action capabilities.
- Experience defining how customer products, interactions, inquiries, profile data and needs are used to generate relevant offers.
- Strong understanding of customer data, eligibility rules, decision engines, risk engines and AI/ML or propensity models used for real-time customer decisioning.
- Experience working across a complex ecosystem of multiple upstream and downstream banking systems, APIs, data platforms and integration layers.
- Demonstrated ability to perform end-to-end impact analysis across business processes, applications, integrations and data flows.
- Proven ability to convert vague, incomplete and ambiguous business needs into clear, concrete and achievable requirements, features, user stories and acceptance criteria.
- Strong experience driving requirements from discovery through design, development, testing, UAT, implementation and post-production stabilization.
Stakeholder & Leadership Management
The candidate must have demonstrated experience:
- Working directly with senior executives, business heads, product leaders, technology executives, architects, risk, compliance, operations and delivery teams.
- Leading large requirements and solution workshops involving multiple business and technology stakeholders.
- Managing conflicting stakeholder priorities and driving teams toward decisions and closure.
- Communicating complex business and technology issues in a concise, executive-friendly manner.
- Presenting risks, dependencies, options, recommendations and decisions to senior leadership.
- Operating successfully within programs receiving significant executive and leadership scrutiny.
- Challenging assumptions and pushing back constructively when requirements or proposed solutions are unclear or unrealistic.
- Taking end-to-end ownership and accountability rather than functioning only as a requirements/documentation BA.
Key Responsibilities
- Serve as the Lead BA and requirements owner for the transformation program.
- Drive requirements across Branch Banking, CRM, Customer 360, Offer Management, Product, Risk, Decisioning, Data and downstream platforms.
- Map the complete journey from customer interaction → customer/product data → eligibility/risk/model decisioning → offer selection → real-time presentation → customer acceptance → fulfillment → outcome tracking.
- Identify cross-system impacts, dependencies, risks and gaps early in the delivery lifecycle.
- Translate strategic business objectives into actionable capabilities, features, requirements, user stories, business rules and acceptance criteria.
- Drive alignment among Business, Product, Architecture, Data, Risk, Technology, QA and Operations.
- Maintain end-to-end requirements and business outcome traceability.
- Support solution design, testing, UAT, implementation and production readiness.
- Proactively escalate critical risks and decisions with clear business impact and recommended options.
- Act as the trusted bridge between senior business leadership and technology delivery teams.
